{"id":2540,"date":"2026-02-01T19:51:01","date_gmt":"2026-02-01T10:51:01","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/01\/post-20260201-105101-4931\/"},"modified":"2026-02-02T11:20:19","modified_gmt":"2026-02-02T02:20:19","slug":"post-20260201-105101-4931","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/01\/post-20260201-105101-4931\/","title":{"rendered":"\uc774\uc601 \uc870\uc138\uc5f0 \uc6d0\uc7a5, \uacf5\uc801\uc5f0\uae08 \uc7ac\uc815 \uc548\uc815\ud654 \ubc29\uc548 \uc81c\uc2dc\u2026&#8221;\uc5f0 30\uc870\uc6d0 \ud655\ubcf4&#8221; (2026-02-01)"},"content":{"rendered":"<p style=\"text-align: justify\"><span style=\"color: #800080\"><strong><span style=\"font-size: 20px\">(<\/span><span style=\"font-size: 20px\"><span style=\"color: #0000ff\">\uc544\ub798<\/span><\/span><span style=\"font-size: 20px\"><span style=\"color: #0000ff\"><strong> \uc774\uc601 \uc870\uc138\uc5f0 \uc6d0\uc7a5\uc758 \uc81c\uc548\uc740 \uc7ac\uc815\uc548\uc815 \ub2ec\uc131\uc744<\/strong> \uc704\ud55c \uc7ac\uc6d0\uc870\ub2ec \ubc29\uc548\uc5d0 \ucd08\uc810\uc774 \ub9de\ucd94\uc5b4\uc838 \uc788\uc2b5\ub2c8\ub2e4. \uc7ac\uc6d0 \uc870\ub2ec \uce21\uba74\uc5d0\uc11c \uae0d\uc815\uc801\uc73c\ub85c \uac80\ud1a0\ud574 \ubcfc \ubd80\ubd84\ub4e4\uc774 \uc788\uc744 \uac70 \uac19\uc2b5\ub2c8\ub2e4.<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"color: #800080\"><strong><span style=\"font-size: 20px\">\uadf8\ub7f0\ub370 \uc5f0\uae08 \uc9c0\uae09\uc728\uc740 \ud604\ud589\ub300\ub85c \uc720\uc9c0\ud55c\ub2e4\ub294 \uac00\uc815\uc5d0 \ubb38\uc81c\uac00 \uc788\ub294 \uac70 \uac19\uc2b5\ub2c8\ub2e4. \ud604\uc7ac 18%\ub97c \ubd80\ub2f4\ud558\ub294 \uacf5\ubb34\uc6d0\uc5f0\uae08\uacfc \uc0ac\ud559\uc5f0\uae08\uc740 \uadf8 \ub450 \ubc30 \uc218\uc900\uc778 36%\ub97c \ubd80\ub2f4\ud560\uc9c0\ub77c\ub3c4 \uc7ac\uc815 \uc548\uc815 \ub2ec\uc131\uc774 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc5f0\uae08 \uc9c0\uae09\uc728\uc5d0 \uc190\uc744 \ub300\uc9c0 \uc54a\ub294 \ud55c \uc9c0\uc18d \uac00\ub2a5\ud55c \uc81c\ub3c4\uac00 \ub420 \uc218 \uc5c6\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4!!!<\/span><\/strong><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"color: #800080\"><strong><span style=\"font-size: 20px\"><span style=\"color: #ff0000\">\uacf5\ubb34\uc6d0\uc5f0\uae08 \ub4f1 \ud2b9\uc218\uc9c1\uc5ed\uc5f0\uae08 \uac00\uc785\uc790 \ubc0f \uc218\uae09\uc790\uc758 \uc5f0\uae08 \uae30\ub4dd\uad8c\uc744 \ubcf4\uc7a5\ud558\uae30 \uc704\ud574\uc11c, \ubbfc\uac04 \uc5f0\uae08\uac00\uc785\uc790\ub4e4\uc5d0\uac8c \uac77\ub294 \uc5f0\uae08 \uc18c\ub4dd\uc138\uae4c\uc9c0 \ud22c\uc785\ud558\uc790\ub294 \uc8fc\uc7a5\uc740<\/span> \uae30\uc5ec\uc640 \uae09\uc5ec\uc758 \uc5f0\uacc4 \uce21\uba74\uc5d0\uc11c \uc2ec\uac01\ud55c \uc65c\uace1\uc744 \uc57c\uae30\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. <span style=\"color: #0000ff\">\uc7ac\uc6d0 \uc870\ub2ec\uc774 \uc544\ub2cc \uc5f0\uae08 \uc218\uae09 \uce21\uba74\uc5d0\uc11c\ub294 \ub354 \ub9ce\uc740 \uace0\ubbfc\uc774 \ud544\uc694\ud574 \ubcf4\uc785\ub2c8\ub2e4.<\/span><\/span><\/strong><\/span><\/p>\n<p><span style=\"font-size: 20px;color: #0000ff\"><strong>\uc870\uc138\uc5f0 \uc7ac\uc815\ud3ec\ub7fc\uc5d0 \uc218\ub85d\ub41c \uc774\uc601 \uc6d0\uc7a5 \uc6d0\uace0\ub97c \ud30c\uc77c\ub85c \ucca8\ubd80\ud588\uc2b5\ub2c8\ub2e4.<\/strong><\/span><span style=\"color: #800080\"><strong><span style=\"font-size: 20px\">)<\/span><\/strong><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\"><span style=\"font-size: 24px\"><strong>\uc774\uc601 \ud55c\uad6d\uc870\uc138\uc7ac\uc815\uc5f0\uad6c\uc6d0\uc7a5\uc774<\/strong><\/span> <span style=\"color: #0000ff\"><strong>\uad6d\ubbfc\uc5f0\uae08\u00b7\uacf5\ubb34\uc6d0\uc5f0\uae08 \ub4f1 \uacf5\uc801\uc5f0\uae08\uc758 \uc7ac\uc815 \uc548\uc815\ud654\ub97c \uc704\ud574 \uacf5\uc801\u00b7\ubbfc\uac04\uc5f0\uae08\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc18c\ub4dd\uc138\uc218\ub97c \uc77c\ubc18\ud68c\uacc4(\uc7ac\uc815)\uac00 \uc544\ub2cc \ud574\ub2f9 \uc5f0\uae08 \uae30\uae08\uc73c\ub85c \uc0b0\uc785\ud574 \uc5f0\uae08 \uc7ac\uc815\uc744 \ud655\ucda9\ud558\uace0 <span style=\"color: #ff0000\">\uad6d\ubbfc\uc5f0\uae08\uc758 \uc0ac\uc6a9\uc790(<\/span><\/strong><\/span><strong><span style=\"color: #ff0000\">\ubc95\uc778) \ubd80\ub2f4\uae08\uc744 \uc778\uc0c1\ud558\ub294 \ub300\uc2e0 \ubc95\uc778\uc138 \uc778\ud558\ub97c \ubcd1\ud589\ud558\uc790\uace0 \uc81c\uc548\ud588\ub2e4.\u00a0<\/span><\/strong><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\ub610 <span style=\"color: #0000ff\"><strong>\ubbf8\ub798\uc138\ub300 \uc5f0\uae08\uc0c1\uc18d(\uc99d\uc5ec) \uc81c\ub3c4\ub97c \ub3c4\uc785\ud574 \ubbfc\uac04 \uc790\uc6d0\uc758 \uc138\ub300 \uac04 \uc774\uc804\uc744 \uc720\ub3c4\ud558\uc790\uace0 \uc815\ucc45\uc744 \uc81c\uc2dc\ud588\ub2e4.<\/strong><\/span> \uc774\ub7f4 \uacbd\uc6b0 \uac01\uac01 \uc5f0\uac04 1\uc870~10\uc870\uc6d0, 14\uc870\uc6d0, 4\uc870~5\uc870\uc6d0\uc758 \uc7ac\uc6d0\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \ucd94\uc0b0\ud588\ub2e4.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">(\uc911\ub7b5)<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\uc774\uc5d0 \uc774\uc601 \uc6d0\uc7a5\uc740 \uace0\ubbfc\ud574\uc628 \uacf5\uc801\uc5f0\uae08 \uc7ac\uc815\uc548\uc815\ud654\ub97c \uc704\ud55c \uc138 \uac00\uc9c0 \uc6d0\uce59\uacfc \ubc29\uc548\uc744 \uc81c\uc2dc\ud588\ub2e4. <\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\uc774 \uc6d0\uc7a5\uc774 \uc81c\uc2dc\ud55c \uc6d0\uce59\uc740 \uccab\uc9f8 \uacf5\uc801\uc5f0\uae08 \uac1c\uc120 \uc2dc \uc138\ub300 \uac04 \ud615\ud3c9\uc131 \uc81c\uace0 \ucd5c\uc6b0\uc120\uc73c\ub85c \ud2b9\ud788 <strong>\uad6d\ubbfc\uc5f0\uae08\uc758 \uacbd\uc6b0 \uae30\ub300 \uc218\uba85\uc758 \uae09\uaca9\ud55c \uc0c1\uc2b9\uc73c\ub85c \uae30\uae08 \uace0\uac08\uc774 \uc608\uc0c1\ub418\uba74\uc11c \ubbf8\ub798 \uc138\ub300\uc758 \uae30\ub300 \uc218\uc775\ube44\ub294 \ub0ae\uc544\uc9c0\uace0 \uc788\uc5b4 \uc138\ub300 \uac04 \uc218\uc775\ube44 \uaca9\ucc28\ub97c \uc904\uc5ec\uc57c \ud55c\ub2e4\ub294 \uac83\uc774\ub2e4.<\/strong><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\ub458\uc9f8 \uc6d0\uce59\uc740 <strong>\uc0c8\ub85c \ub3c4\uc785\ud558\ub294 \uc5f0\uae08 \uc694\uc18c\ub294 \ud655\uc815\uae30\uc5ec(DC) \ubc29\uc2dd\uc744 \uc801\uc6a9\ud574 \ubbf8\ub798\uc758 \uc7ac\uc815\uc548\uc815\uc131 \ub2f4\ubcf4\uc774\ub2e4.<\/strong> \uc774\uc5b4 \uc14b\uc9f8 \uc6d0\uce59\uc740 <strong>\uc5f0\uae08 \uc548\uc815\ud654 \uc7ac\uc6d0\uc740 \ubbf8\ub798 \uc138\ub300\uc5d0 \ub300\ud55c \uc99d\uc138\uac00 \uc544\ub2cc \ud604\uc7ac \uc138\uc218\uc640 \ubbfc\uac04 \uc7ac\uc6d0\uc758 \uc138\ub300 \uac04 \uc774\uc804\uc73c\ub85c \uc870\ub2ec\uc744 \uc81c\uc2dc\ud588\ub2e4.<\/strong><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\uc774 \uc6d0\uc7a5\uc740 \uc774 \uc138\uac00\uc9c0 \uc6d0\uce59\uc5d0 \ub530\ub77c \uc138 \uac00\uc9c0 \uacf5\uc801\uc5f0\uae08 \uc7ac\uc815\uc548\uc815\ud654 \ubc29\uc548\uc744 \uc81c\uc548\ud588\ub2e4. \uccab\uc9f8 \ubc29\uc548\uc740 \uacf5\uc801 \ubc0f \ubbfc\uac04\uc5f0\uae08\uc5d0\uc11c \ub098\uc624\ub294 \uc18c\ub4dd\uc138\uc218\ub97c \uc77c\ubc18\ud68c\uacc4\uac00 \uc544\ub2cc \ud574\ub2f9 \uc5f0\uae08\uae30\uae08\uc73c\ub85c \uc0b0\uc785\ud574 \uc7ac\uc815\uc744 \ud655\ucda9\ud558\ub294 \uac83\uc774\ub2e4. \uad6d\ubbfc\uc5f0\uae08\u00b7\uacf5\ubb34\uc6d0\uc5f0\uae08\u00b7\uad70\uc778\uc5f0\uae08\u00b7\uc0ac\ud559\uc5f0\uae08 \ub4f1 \uacf5\uc801\uc5f0\uae08 \uc18c\ub4dd\uc5d0 \ubd80\uacfc\ud558\ub294 \uc138\uae08\uc744 \uac01 \uc5f0\uae08\uae30\uae08\uc758 \uc7ac\uc6d0\uc73c\ub85c \uadc0\uc18d\uc2dc\ud0a4\uace0 <span style=\"color: #ff0000\"><strong>\ubbfc\uac04\uc5f0\uae08 \uc218\ub839\uc561\uc5d0 \ub300\ud55c \uacfc\uc138 \uc218\uc785\ub3c4 \uacf5\uc801\uc5f0\uae08\uc758 \uc7ac\uc6d0\uc73c\ub85c \ud65c\uc6a9\ud558\ub3c4\ub85d \ud588\ub2e4.<\/strong><\/span><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\uc774 \uc6d0\uc7a5\uc740 \u201c\uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc740 40\uc5ec\ub144 \ud6c4 \uace0\uac08\uc774 \uc608\uc0c1\ub418\uc9c0\ub9cc <span style=\"color: #0000ff\"><strong>\ubbfc\uac04\uc5f0\uae08\uae30\uae08\uc740 \uc9c0\uc18d\ud574\uc11c \uc99d\uac00\ud560 \uc804\ub9dd\uc774\ubbc0\ub85c \ubbfc\uac04\uc5f0\uae08 \uc18c\ub4dd\uc138\uc218\ub294 \uacf5\uc801\uc5f0\uae08 \uae30\uae08\uc758 \uc548\uc815\uc131\uc744 \ub192\uc774\ub294 \uc911\uc694\ud55c \uc7ac\uc6d0\uc774 \ub420 \uac83\u201d\uc774\ub77c\uace0 \uc801\uc5c8\ub2e4.<\/strong><\/span><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\ub450 \ubc88\uc9f8 \ubc29\uc548\uc740 <span style=\"color: #0000ff\"><strong>\uad6d\ubbfc\uc5f0\uae08\uc758 \uc0ac\uc6a9\uc790 \ubd80\ub2f4\uae08\uc744 \uc62c\ub9ac\ub418 \ubc95\uc778\uc138\ub294 \uc778\ud558\ud558\ub294 \uac83\uc774\ub2e4.<\/strong> <\/span>\ud604\uc7ac \ub178\ub3d9\uc790\uc640 \ub3d9\uc77c\ud55c 6.5%(2025\ub144 \uac1c\uc815 \uae30\uc900 \uac00\uc815, 2033\ub144 \ubcf4\ud5d8\ub8cc\uc728 13%)\uc778 \ubc95\uc778 \ubcf4\ud5d8\ub8cc \ubd80\ub2f4\ub960\uc744 3.0%\ud3ec\uc778\ud2b8 \uc778\uc0c1\ud574 9.5%\ub85c \uc62c\ub9ac\uc790\uace0 \uc81c\uc548\ud588\ub2e4.\u00a0<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\"><span style=\"color: #0000ff\"><strong>\uc778\uc0c1\ud55c 3.0%\ud3ec\uc778\ud2b8\uc758 \ubcf4\ud5d8\ub8cc\ub294 \ud655\uc815\uae30\uc5ec \ud615\ud0dc\ub85c \uc6b4\uc6a9\ud558\uace0 \uc5ec\uae30\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc5f0\uae08\uc18c\ub4dd\uc740 \ubbfc\uac04\uc5f0\uae08\uc18c\ub4dd\uacfc \ud569\uc0b0 \uacfc\uc138\ud574 \uc138\uc218\ub97c \uacf5\uc801\uc5f0\uae08\uae30\uae08\uc73c\ub85c \uc0b0\uc785\ud558\ub3c4\ub85d \ud588\ub2e4.<\/strong> <\/span>\uc774 \uc6d0\uc7a5\uc740 \ub3d9\uc2dc\uc5d0 \ubc95\uc778\uc758 \ubd80\ub2f4\uc744 \uc904\uc5ec\uc8fc\uae30 \uc704\ud574 \ubc95\uc778\uc138\uc728\uc744 \uc778\ud558\ud560 \ud544\uc694\uac00 \uc788\ub2e4\uba70 \uc624\uc885\ud604 \uc870\uc138\uc5f0 \uc5f0\uad6c\uc6d0\uc774 \uc9c0\ub09c\ud574 6\uc6d4 \ubc1c\ud45c\ud55c \u2018\ubbf8\ub798\uc138\ub300 \uc5f0\uae08\uc0c1\uc18d \ub4f1 \uc5f0\uae08\uc7ac\uc815 \ud655\ubcf4 \ubc29\uc548\u2019 \uc5f0\uad6c\ub97c \uc778\uc6a9\ud574 \ubc95\uc778\uc138\uc728 \uc778\ud558\ud3ed\uc744 2.5~3.0%\ud3ec\uc778\ud2b8\ub85c \uc81c\uc548\ud588\ub2e4.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\uc138 \ubc88\uc9f8\ub294 <span style=\"color: #0000ff\"><strong>\ubbf8\ub798\uc138\ub300 \uc5f0\uae08\uc0c1\uc18d(\uc99d\uc5ec) \uc81c\ub3c4\ub97c \ub3c4\uc785\ud574 \ubbfc\uac04 \uc7ac\uc6d0\uc758 \uc138\ub300 \uac04 \uc774\uc804\uc744 \uc720\ub3c4\ud558\uc790\ub294 \ubc29\uc548\uc774\ub2e4.<\/strong><\/span> \uc790\ub140\uc5d0\uac8c \uc7ac\uc0b0\uc744 \ud604\uae08\uc73c\ub85c \uc0c1\uc18d\u00b7\uc99d\uc5ec\ud558\ub294 \ub300\uc2e0 \uc5f0\uae08 \ud615\ud0dc\ub85c \ubb3c\ub824\uc8fc\uba74 \uc0c1\uc18d\uc138\ub97c \uba74\uc81c\ud574 \uacf5\uc801\uc5f0\uae08 \uae30\uae08\uc744 \ud655\ucda9\ud558\uc790\ub294 \uac83\uc774\ub2e4. \uc0c1\uc18d\ub41c \uc5f0\uae08\uc561\uc740 \ud655\uc815\uae30\uc5ec \ubc29\uc2dd\uc73c\ub85c \uc6b4\uc6a9\ud558\uba70 \uc218\uae09 \uc2dc\uc810\uc5d0 30%\uc758 \uc138\uae08\uc744 \ubd80\uacfc\ud574 \uacf5\uc801\uc5f0\uae08 \uae30\uae08\uc5d0 \uc0b0\uc785\ud1a0\ub85d \ud55c\ub2e4.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\uc774 \uc6d0\uc7a5\uc740 \uc774\uc5d0 \ub300\ud574 \u201c\uc0c1\uc18d \uc2dc\uc810\uc5d0\ub294 \uba74\uc138 \ud61c\ud0dd\uc744 \uc8fc\ub418 \uc218\uae09 \uc2dc \uc9d5\uc218\ud558\ub294 30%\uc758 \uc138\uae08\uc740 \uc0ac\uc2e4\uc0c1 \uc0c1\uc18d\uc138 \uc7ac\uc6d0\uc774 \uc5f0\uae08\uae30\uae08\uc73c\ub85c \uc774\uc804\ub418\ub294 \ud6a8\uacfc\ub97c \uac00\uc9c4\ub2e4\u201d\uace0 \ubc1d\ud614\ub2e4.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\uc774 \uc6d0\uc7a5\uc740 \uacf5\uc801\uc5f0\uae08 \uc7ac\uc815\uc548\uc815\ud654\ub97c \uc704\ud574 \uc81c\uc2dc\ud55c \uc138 \uac00\uc9c0 \ubc29\uc548\uc744 \ud1b5\ud574 \uac01\uac01 \uc5f0\uac04 1\uc870~10\uc870\uc6d0, 14\uc870\uc6d0, 4\uc870~5\uc870\uc6d0\uc758 \uc7ac\uc6d0\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \ucd94\uc0b0\ud588\ub2e4. \ud569\uc0b0\ud558\uba74 \uc5f0\uac04 20\uc870~30\uc870\uc6d0\uc758 \uc7ac\uc6d0 \ud655\ubcf4\uac00 \uac00\ub2a5\ud558\ub2e4\uace0 \uc124\uba85\ud588\ub2e4.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\uc774 \uc6d0\uc7a5\uc740 <strong>\ud55c\uad6d\uac1c\ubc1c\uc5f0\uad6c\uc6d0(KDI) \uc774\uac15\uad6c\u00b7\uc2e0\uc2b9\ub8e1 \uc5f0\uad6c\uc6d0\uc774 \uc9c0\ub09c 2024\ub144 2\uc6d4 \ubc1c\ud45c\ud55c \u2018\uad6d\ubbfc\uc5f0\uae08 \uad6c\uc870\uac1c\ud601 \ubc29\uc548\u2019\uc5d0\uc11c \uad6d\ubbfc\uc5f0\uae08 \uad6c\uc870 \uac1c\ud601\uc5d0 \ud544\uc694\ud55c \ubbf8\uc801\ub9bd \ubd80\ucc44 \uc0c1\ud658 \uc7ac\uc6d0\uc744 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0(GDP)\uc758 26.9%\ub85c \ucd94\uc0b0<\/strong>\ud588\ub294\ub370 <span style=\"color: #0000ff\"><strong>\uc790\uc2e0\uc774 \uc81c\uc548\ud55c \ubc29\uc548\uc744 \uc57d 30\ub144 \ub3d9\uc548 \uc2dc\ud589\ud558\uba74 \ucda9\ub2f9\ud560 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ud588\ub2e4.<\/strong><\/span><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: 20px\">\uc774 \uc6d0\uc7a5\uc740 \u201c\uacf5\uc801\uc5f0\uae08 \uae30\uae08\uc744 \ud544\uc694 \uc9c0\uae09\uc561\ubcf4\ub2e4 \ub109\ub109\ud558\uac8c \uc720\uc9c0\ud558\uace0 \uc6b4\uc6a9 \uc218\uc775\ub960\uc744 \uc81c\uace0\ud55c\ub2e4\uba74 \uc6b0\ub9ac\ub098\ub77c 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